Allegany County property record for 312 Sunset Dr, Cumberland, MD 21502
| Property Type | Single Family Home |
|---|---|
| Details | 2 ba · 1,204 sqft · built 1962 |
| Lot Size | 0.333 acres (14,500 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $181,000 (Jun 2019) |
| Tax Bill | $2,065 (2025) |
| Deeds & Mortgages | Apr 2021 Mortgage Oct 2021 Mortgage + 3 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 29-017700 |
| Primary APN | 29-017700 |
|---|---|
| Alternative APN |
|
| Full Baths | 2 Baths |
|---|---|
| Half Baths | 1 Half Bath |
| Stories | 1 Story |
| Building Area | 1,204 sqft Total Area |
| Basement Area | 800 sqft |
| Finished Basement | 800 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1962 |
|---|---|
| Effective Year Built | Effective 1962 |
| Exterior Material | Brick |
| Roof Material | Composition Shingle |
| Lot Area | 14,500 sqft (0.333 acres) |
| Lot Dimensions | 145 ft deep x 100 ft wide |
| Garage Type | Mixed |
| Garage Area | 548 sqft |
| Parking Spaces | 2 Parking Spaces |
| Deck Area | 216 sqft |
| Patio Area | 216 sqft |
| Cooling System | HVAC |
|---|---|
| Heating System | Forced Air with A/C |
| Sewer | Connected |
| Account Number | 017700 |
|---|---|
| Street Address | 312 SUNSET DR |
| City | CUMBERLAND |
| State | MD |
| Zip | 21502-1921 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | 312 SUNSET DR LOT 312 100X145 SUNSET VIEW |
| Legal Subdivision | SUNSET VIEW ADDITION |
| Legal Lot Number | 312 |
| Jurisdiction | ALLEGANY MD |
| Township / Civil Division | 29, LA VALE |
| Census Block Group | 2 |
| Census Block | 2005 |
| Census Tract | 1200 |
312 Sunset Dr is owned and occupied by two individuals who bought it in June 2019.
Source: Allegany County records, as of October 1, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 312 SUNSET DR, CUMBERLAND, MD 21502-1921 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Et Al (and Others) |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Date | Document |
|---|---|
| Apr 7, 2021 | Deed of Trust, Mortgage · FHA Mortgage FIRST HOME MORTGAGE CORP |
| Oct 19, 2021 | Deed of Trust, Mortgage · Conventional Mortgage STANDARD BANK |
| Aug 24, 2020 | Deed of Trust, Mortgage · Line of Credit FULTON BK NA |
| Feb 19, 2020 | Deed of Trust, Mortgage · FHA Mortgage FIRST HM MTG CORP |
| Jun 27, 2019 | Grant Deed, Transfer · FHA Mortgage HOMESPIRE MTG CORP |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Jun 27, 2019 · Amount on File |
| Deed Sale | Jun 27, 2019 · Amount on File |
| Prior Sale | Nov 26, 2014 · Amount on File |
| Deed Book / Page | 2477 / 482 |
| Prior Transfer Date | Nov 7, 2014 |
| Prior Transfer Doc | 0020990033 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ALLEGANY MD |
| Property Address | 312 SUNSET DR, LAVALE, MD 21502-1921 |
| Transaction Type | Mortgage |
| Record Updated | May 2, 2022 |
| Title Company | LEGACY SETTLEMENT SERVICES LLC, LEGACY SETTLEMENT SVCS LLC |
| Name | Verified Name |
|---|
| Document Number | 002646-0406 |
|---|---|
| Date | Apr 7, 2021 |
| Book Page | 2646/406 |
| Name | FIRST HOME MORTGAGE CORP |
|---|---|
| Type | Mortgage Company |
| Address | NOTTINGHAM, MD 21236 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Apr 1, 2051 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ALLEGANY MD |
| Property Address | 312 SUNSET DR, LAVALE, MD 21502-1921 |
| Transaction Type | Mortgage |
| Record Updated | May 2, 2022 |
| Title Company | FINANCIAL DIMENSIONS INC |
| Name | Verified Name |
|---|---|
| Address | 312 SUNSET DR, CUMBERLAND, MD 21502-1921 |
| Document Number | 002713-0104 |
|---|---|
| Date | Oct 19, 2021 |
| Book Page | 2713/104 |
| Name | STANDARD BANK |
|---|---|
| Type | Bank |
| Address | MONROEVILLE, PA 15146 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 180 Months |
| Due | Oct 12, 2036 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ALLEGANY MD |
| Property Address | 312 SUNSET DR, LAVALE, MD 21502-1921 |
| Document Number | 0025920417 |
| Instrument Date | Aug 24, 2020 |
| Transaction Type | Mortgage |
| Record Updated | Oct 29, 2020 |
| Title Company | NOT AVAILABLE |
| Name | Verified Name |
|---|---|
| Address | 312 SUNSET DR CUMBERLAND MD 215021921, CUMBERLAND, MD 21502-1921 |
| Document Number | 0025920417 |
|---|---|
| Date | Oct 7, 2020 |
| Book Page | 002592/000417 |
| Name | FULTON BK NA |
|---|---|
| Address | COLUMBIA, MD 21044 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Rate Type | Adjustable Rate |
|---|
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ALLEGANY MD |
| Property Address | 312 SUNSET DR, LAVALE, MD 21502-1921 |
| Document Number | 0025420290 |
| Instrument Date | Feb 19, 2020 |
| Transaction Type | Mortgage |
| Record Updated | Jun 2, 2020 |
| Title Company | R AND P SETTLEMENT GROUP LLC, R&P SETTLEMENT GRP LLC |
| Name | Verified Name |
|---|---|
| Relationship | Tenants by the Entirety |
| Address | 312 SUNSET DR LAVALE MD 215021921, LAVALE, MD 21502-1921 |
| Document Number | 0025420290 |
|---|---|
| Date | Mar 20, 2020 |
| Book Page | 002542/000290 |
| Name | FIRST HM MTG CORP |
|---|---|
| Address | BALTIMORE, MD 21236 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Mar 19, 2050 |
| Document Type | Grant Deed |
|---|---|
| Jurisdiction | ALLEGANY MD |
| Recording Date | Jun 27, 2019 |
| Property Address | 312 SUNSET DR, LAVALE, MD 21502-1921 |
| Document Number | 0024770482 |
| Book / Page | 002477 / 000482 |
| Instrument Date | Jun 7, 2019 |
| Transaction Type | Transfer |
| Record Updated | Jul 17, 2019 |
| Title Company | ATTORNEY ONLY |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $1,267.00 |
| Amount Accuracy | Confirmed |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 312 SUNSET DR LAVALE MD 215021921, LAVALE, MD 21502-1921 |
| Document Number | 24770489 |
|---|---|
| Date | Jun 27, 2019 |
| Book Page | 002477/000489 |
| Name | HOMESPIRE MTG CORP |
|---|---|
| Address | GAITHERSBURG, MD 20878 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Jun 26, 2049 |
The 2025 property tax bill for 312 Sunset Dr was $2,065 with a homeowner's exemption.
Source: Allegany County assessment roll, as of October 1, 2026
| Type | Name |
|---|---|
| State | Maryland |
| County | Allegany County |
| Unified School District | Allegany County Public Schools (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $230,167 (+7.29%) | $245,800 (-) Land $44,200 Building $201,600 | |
| 2025 | $2,065.00 Homeowner's exemption | $214,533 | $245,800 Land $44,200 Building $201,600 |
| 2023 | $1,667.00 Homeowner's exemption | $179,300 | $198,900 Land $36,200 Building $162,700 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 312 Sunset Dr in Zone X, an area of minimal flood risk, though there have been 1 flood claim nearby since 2017.
Source: FEMA National Flood Hazard Layer, effective November 12, 2023 · OpenFEMA NFIP redacted claims and policies, as of September 2026
| FEMA Flood Zone | Zone X minimal risk |
|---|---|
| Flood Insurance Requirement | Not required lenders may require it |
| Nearby Flood Policies | 1 in force |
| Nearby Flood Claims | 1 (2017) |
| Claims Outside the SFHA | 1 of 1 |
| Most Recent Claim | May 2017 · other causes |
Values are read at the parcel center point; flood claims are located to the census block group, not this parcel; lenders make the official flood determination.
Wildfire risk around 312 Sunset Dr is low, with a 0.01% annual chance of wildfire.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 80% of the US · above 41% of Maryland |
|---|---|
| Wildfire Likelihood | 0.01% annual chance |
| Exposure | Direct burnable vegetation |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
Source: EPA Safe Drinking Water Information System, as of September 2026
| Water System | CITY OF CUMBERLAND serves 27,039 people · EPA ID MD0010008 |
|---|---|
| Water Source | Surface water |
| Last State Inspection | Jul 2025 |
| Lead | 1 ppb (2021–2023) action level 15 ppb |
| Water Quality | None last 10 years |
|---|---|
| Treatment and Procedure | None last 10 years |
| Monitoring and Reporting | None last 3 years |
Results are for the whole water system, not water tested at this address; lead at the tap also depends on the building's own pipes.
Source: FCC Broadband Data Collection, based on 126 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Breezeline Cable | 1,000 / 50 |
| Verizon Fixed Wireless | 300 / 20 |
| Starlink Satellite | 280 / 30 |
| SkyPacket Fixed Wireless | 100 / 20 |
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